They never told me about additional fee up front and by the time when I saw the final paperwork with the numbers, the additional cost that I have to pay was way more than what I was told when I initiated the process. They embedded a lot of cost without disclosing to you until the last minute. The communication with people at different department was really tough. They do not seem to have any record of previous conversation. It is the first time when I was trying to do refinancing through the internet company and I ended up wasting money and time.